What it means
This estimates what you might actually take home after selling: sale price minus mortgage, agent fees and other selling costs.
Selling
Net sale proceeds calculator
What you may take home after the mortgage and selling fees.
Why it matters
Headline sale price is not cash in your account. Fees and the outstanding mortgage can shrink it a lot.
When to use it
Use it when pricing a sale, deciding whether to move, or working out the deposit you could take to the next purchase.
How to read the result
Focus on net proceeds, not the asking price. Add your own capital gains tax estimate if it applies; this tool does not calculate tax for you.
Your figures
More assumptions
Methodology
Rules checked against published sources as of 2025-04-01.
- Gross equity is sale price minus mortgage balance.
- Net proceeds deduct estate agent fee, legal costs, early repayment charge and other selling costs.
- Capital Gains Tax is only included when you turn it on and enter your own estimate.
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FAQs
Does this calculate Capital Gains Tax for me?
No. You can optionally enter your own CGT estimate. It is not tax advice.